The definitive consumer bankruptcy treatise by Henry Sommer, the nation's leading consumer bankruptcy author. Includes 170 sample pleadings, new forms and rules for use in 2016, updated dollar amounts, many other practice tools.

Details all the latest consumer rights--deferments, discharges, consolidations, and payment plans, as well as protections from debt collection, wage garnishment, and tax intercepts. Also covers private loans and claims against schools.